Why an Advisor

You Deserve One
You are unique. So is your portfolio.

There is no shortage of economic and financial information, such as tips, tricks and investment techniques on the Internet. Don’t settle for cookie cutter formulas and stereotyped methods. An advisor will offer customized solutions and personalized strategies that are always designed to suit your specific needs. Your advisor will monitor your account, ensure that your decisions are carried out and help you achieve your goals. Your advisor is your ally.

Better Results
An advisor client relationship should be long term

A study conducted in 2012 showed that having an advisor raises the probability that an individual will save, and that savings rates increase with the length of time an investor works with an advisor.

This gap only widens with time.

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Length of relationship 4 to 6 years 7 to 14 years 15 years +
Added value of advisor 1.58x 1.99x 2.73x

The same study revealed that savings rates are twice as high for households using advisory expertise (8.6%) as for those that are not (4.3%).

Peace of Mind
Your advisor is an expert.

With your best interests in mind, your advisor studies market trends to determine how they will affect your assets.

Because advisors belong to a financial services or securities brokerage firm, they are governed by regulatory compliance and a code of ethics. Their activities are monitored.

They have access to financial planners, tax specialists and accountants – the professionals that are likely to have a hand in managing your assets.

Your advisor has you covered

Services Offered

  • Evaluating your personal, family, professional and financial situation
  • Determining your investor profile
  • Developing a savings plan that will allow you to achieve your goals
  • Proposing a method of asset allocation based on your needs and objectives
  • Recommending investments and/or securities
  • Preparing your retirement
  • Monitoring your investments
  • Encouraging and facilitating saving
  • Rebalancing your portfolio
  • Maximizing potential returns and minimizing risk
  • Preparing your retirement
  • Estate planning
  • Carrying out transactions

Guidance at every stage in your life

Finding an Advisor

Ask your neighbours, colleagues and friends; they’re sure to have one or two recommendations.

Don't be afraid to meet with a number of professionals before making a decision. Here are a few questions to keep in mind.

  • What type of educational background do they have? Do they receive ongoing training?
  • What licences do they hold? Do they belong to any professional associations?
  • Who are their main clientele? What experience do they have in the financial industry? Can they provide you with references?
  • What is their investment policy? How do they choose investment funds and or stocks and bonds?
  • What type of remuneration do they prefer?
  • When and how will they get in touch with me? How often will you be meeting?
  • Do they work closely with tax specialists, accountants and notaries? To which firm or financial institution do they belong?

The most important criterion is a partnership that clicks

Source: An Econometric Analysis of Value of Advice in Canada, Claude Montmarquette and Nathalie Viennot-Briot, CIRANO (Center for Interuniversity Research and Analysis on Organizations), 2012